Embedded finance - Revolution for cooperation and customer value
summary
A practical view of embedded finance: a white‑label product called GetRaul lets Lieferando offer revenue‑based financing to restaurants today; Tesla bundles insurance at purchase and a health device uses NFC for stake‑based fitness payments. Growth is driven by PSD2/open banking, cheaper machine learning, and a predicted two‑ to threefold market expansion, but the real bottleneck is contextual compliance — transaction monitoring, fraud and risk — not the APIs or the UX. Solarisbank finds 61% of Germans would use Amazon/DM to open accounts, signalling channel shift.
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chapters (8)
- 0:00Embedded finance intro
- 1:04What is embedded finance
- 3:31Embedded finance examples
- 10:37Industries driving adoption
- 14:07Why banks haven't led embedded finance yet
- 15:55Future of finance ecosystem
- 21:50Embedded finance in 5 years
- 24:16Closing remarks
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